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Financial Fresh Start: Your Five-Step Plan for Adapting and Prospering in the New Economy Hardcover – February 13, 2013

ISBN-13: 978-0814432297 ISBN-10: 0814432298

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Financial Fresh Start: Your Five-Step Plan for Adapting and Prospering in the New Economy + Foreclosure Nation
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Product Details

  • Hardcover: 320 pages
  • Publisher: AMACOM (February 13, 2013)
  • Language: English
  • ISBN-10: 0814432298
  • ISBN-13: 978-0814432297
  • Product Dimensions: 9.2 x 6.4 x 1.1 inches
  • Shipping Weight: 1.4 pounds (View shipping rates and policies)
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (10 customer reviews)
  • Amazon Best Sellers Rank: #1,958,659 in Books (See Top 100 in Books)

Editorial Reviews

Book Description

From depleted retirement accounts to underwater homes, it’s been gloomy news for years. But the picture will get much brighter for those who take advantage of the laws and reforms enacted in the wake of the banking, real estate, and economic meltdown. The Dodd-Frank Act. The Making Home Affordable Program. The Consumer Financial Protection Bureau. These are just a few examples of the significant but little-understood changes that offer people an unprecedented chance to set things right with their credit, savings and investments, employment, housing, retirement and more.

Financial Fresh Start explains it all—simplifying the complicated reforms and motivating readers to shake off their malaise and radically improve their long-term financial prospects. Written by a dynamic author with a unique blend of legal, financial, and real estate expertise, the book’s big-picture lens spans the spectrum of money matters, and delivers clear, actionable answers to questions such as:

• How can you repair your credit quickly and avoid high finance costs?

• What are the safest places for saving and investing?

• Can you legally avoid repaying what you owe?

• Will your home ever be worth what you paid for it?

• Is there life after foreclosure?

• Are you missing out on programs that can put money in your pockets?

• Is it possible to make up for recent losses and still retire on time?

• And more

Big corporations and the mega-wealthy have professionals to keep them abreast of the latest regulations. Now, everyday people can learn what the new rules really mean to them with the expert guidance and practical solutions in Financial Fresh Start.

From the Inside Flap

The real estate crash and near collapse of the financial sector had profound and rippling effects across the country: 11 million homes are underwater, 12 million people are unemployed, 43 million have poor credit scores, trillions of dollars have disappeared from retirement accounts. It’s a battered landscape where even the pillars of long-term financial health—your home, your IRA, the promise of social security—seem like relics from a distant past.

While federal bailouts saved banks and other industries, many people are unaware that assistance is here for everyone. The sweeping Dodd Frank Wall Street Reform and Consumer Protection Act of 2011, as well as a multitude of other new laws and regulations, are packed with provisions for helping people get back on their feet financially and securing their long-term prosperity. Financial Fresh Start will show you how.

Written in accessible language by an expert in real estate, law, and finance, Financial Fresh Start helps you make sense of the new economic realities of the bubble, bailout, and Great Recession, and delivers a five-step action plan for making your own fresh start: (1) adapt your banking and borrowing (2) fix your credit and debt (3) protect your savings, investments, and retire-ment (4) decide if home ownership is right for you (5) earn more, spend less. You’ll learn specific tips for correcting missteps, avoiding common blunders, and practicing sound strategies, including:

• How to avoid hefty overdraft fees, now a $24 billion business for banks

• How to get a new Qualified Residential Mortgages loan

• Ways to avoid escalating interest rates on your credit card debt

• How to dispute errors on your credit report

• Ways to protect yourself from aggressive collection firms

• When it makes sense to hang up your hat and declare bankruptcy

• How to ensure that your 401(K) is being managed with a “fiduciary” standard of conduct

• How to reduce your taxes on payouts from retirement accounts

• What foreclosure alternatives are available under the Making Home Affordable refinance program

• Ways to cut your home, health, life, car, and disability insurance payments

Complete with an overview explaining how we landed in this mess, self-assessments for gauging your own financial picture, and links to the author’s proprietary data online, Financial Fresh Start is your one-stop guide for getting your financial life in order today and building peace of mind for the future.

SHARI OLEFSON is a certified real estate attorney and Florida civil court and supreme court qualified mediator, with degrees in law, journalism, and psychology. She is an attorney with The Olefson Law Firm and founder and director of The Carnegie Group, a Florida-based think tank. In addition, she is a trusted journalist, news commentator, speaker, and the author of Foreclosure Nation. She is frequently quoted in such publications as the Wall Street Journal, Forbes, and USA Today, and appears weekly on CNN, CNBC, Fox, PBS, MSNBC, and CBS. She lives in Ft. Lauderdale, Florida.


More About the Author

Shari Olefson (born Jan 10, 1963) is an American lawyer, and mediator, as well as a journalist and published author. Olefson has served as a legal, economic and real estate commentator on various news programs including CNBC, Fox News, and regular viewer call in question and answer segments including South Florida Channel 10 News.

Born in New York and raised in New York and Florida in an entrepreneurial Jewish family, Olefson holds a BA in Professional Writing and a BA in Psychology from Carnegie Mellon University.

Starting her legal career in 1989, Olefson, a member of the Florida, District of Columbia and New York Bars, quickly became known as a Bar Certified Real Estate specialist, focusing primarily on business and commercial real estate transactions, mediations, work outs and foreclosures. In 2003 she accepted an offer to serve as President and CEO of a Fortune 300 joint venture in the real estate law and title insurance industry. Olefson returned to practice law as a shareholder and partner at the 65 year old Florida law firm, Fowler White Boggs.

In 2007 Olefson authored "Foreclosure Nation: Mortgaging the American Dream" (Prometheus, New York, 2009). She is also the author of "An Immediate Look at the Best Practices for Assisting Distressed Homeowners in Florida (Aspatore Special Report), "The State of Foreclosure in the State of Florida," and "Florida Foreclosure - What Lawyers Need to Know Now," (Thomson Reuters), "Commercial Real Estate Market: Between a Rock and a Hard Place," (Thomson Reuters), and "Thinking about Starting a Foreclosure Defence Practice?"(Thomson Reuters. Olefson maintains a website and blog at www.foreclosurenationthebook.com.

Olefson has appeared on CNBC's "Market Alert," CNBC's "Call of the Wild," CNBC's "Power Lunch," Fox National News NY, Fox 13 News Tampa Bay, Studio 10 Tampa, Channel 10 WPLG, and Channel 6 WTVJ, WKXL AM Concord, Sirius Satellite Network Catholic Channel, WLW-AM Cincinnati, KFNN-AM Phoenix, KMED AM Medford, CNN- AM Houston, WIP-AM, WWRM-FM Tampa, KGAB-FM Cheyanne-Denver, KTRS AM St Louis, CBS Radio Network, WMET-AM Washington DC, WCCC-FM, WCBQ Raleigh, KVON- AM SAN Francisco, CKLW - AM Detroit, WKBK-AM Keene, WLKF-AM Dollars & Sense, WSGE-FM Charlotte, WNJC-AM Phillidelphia, KTKK-AM Salt Lake City, KCMN-AM Colorado Springs, Cable Radio Network, WDEV AM Burlington. She has been quoted in and written articles for the Las Vegas Sun, The Wall Street Journal, Real Estate Florida, The East Hampton Press, Tampa Business Examiner, Tampa Bay Online, Daily Business Review, St. Petersberg Times, The Albany Business Review, Bradenton Herald, Reuters, The South Florida Business Journal, Tampa Bay Business Journal, The Palm Beach Post, The Florida Times Union, The Oklahoma Journal Record, and Florida Today. She is also a frequent speaker for professional organizations and a Continuing Legal Education speaker for the Florida Bar.

Customer Reviews

That would be a better place to start than here.
normal guy
I have used the information from the book for changes in my own strategies forward borrowing and debt reduction.
David Johnson
Overall I found Ms. Olefson's latest to be readable, helpful and at times eye-opening.
SteveB

Most Helpful Customer Reviews

2 of 2 people found the following review helpful By janderbing on May 3, 2013
Format: Hardcover
I appreciated the 5 steps, and was able to glean some ideas that I haven't thought of before. However, the section on choosing a professional turned me off. I thought it was filler and was too basic for the complexities of the theme of the book. Once I got to this chapter, I thought about the other points in the book and although there are many good ideas, a lot seems to be filler material instead of digging in deeper, as I had hoped. We all should know by now what happened to "The America Company" and the housing bubble. Also, I was very distracted by the constant, never-ending references in every chapter and section to her website! It makes the entire book seem like an infomercial in print! Please! I don't mind a reference once or twice, but when it is too persistent, I feel like the whole book is an excuse for advertising and self aggrandizing. I might have given this less stars, but I think that if you have only a very basic knowledge of economics, and you are confused about what to do next, this may help you.
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1 of 1 people found the following review helpful By Marsha L. Fried on March 26, 2013
Format: Kindle Edition Verified Purchase
Well written and timely. I picked this book because I liked Ms Olefson's first book "Foreclosure Nation" very much. Her books are well researched and timely.

Sent a copy to my son as it is an important subject for young people in today's economy.
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By David Johnson on October 2, 2013
Format: Hardcover Verified Purchase
Financial Fresh Start is excellent in both areas of subject matter and practical use. I have used the information from the book for changes in my own strategies forward borrowing and debt reduction.

David J.
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Format: Hardcover
This book is not worth your time if you are looking for more than a superfical discussion on any topic. It is not worth your time if you have read more than say two financial books in the last five years. It is not worth your time if you do not usually take investment advice from a real estate agent.

If you are being foreclosed on in Florida then maybe this book might be a good start to understand your options.

It is better to get financial advice from people with a financial background! Look for the CFP, ChFC, or some other designation that shows someone actually took the time to study the field rather than someone who thought they could make money writing a superficial book that is a waste of time to read.

Looking for a good book written by a woman in financial planning look up Suzie Orman. That would be a better place to start than here.
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Format: Kindle Edition Verified Purchase
This is a quick and easy book to read if you are interested in the major changes after the great ressesion.
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